Data as of Oct 28, 2026.
SCHP vs XHB: Differences, Returns & Fees
Over the year to Oct 28, 2026, SCHP returned −0.8% to XHB's −8.6%; 0% of their weight is in the same names.
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Net assets: $16.5bn on Jun 30, 2026 for Schwab U.S. TIPS ETF, and $1.5bn on Oct 27, 2026 for State Street SPDR S&P Homebuilders ETF.
Pair scorecard
SCHP costs 0.32 points a year less; their one-year returns differ by 7.8 points.
| Measure | SCHP | XHB |
|---|---|---|
| Return | ||
| Total return, 1 year | −0.8% | −8.6% |
| Drawdown | ||
| Below its high | 20.5%, high on Oct 18, 2024 | |
| Benchmark | ||
| What it tracks | US TIPS | S&P Homebuilders Select Industry Index |
| Cost and size | ||
| Expense ratio | 0.03% | 0.35% |
| Net assets, SCHP as of Jun 30, 2026 and XHB as of Oct 27, 2026 | $16.5bn | $1.5bn |
| Holdings | ||
| Holdings in common | 0% | |
| In the S&P 500, by weight | 46% | |
| Top ten holdings, share of the fund | 35.4% | |
Holdings in common uses holdings dated Jun 30, 2026 and Oct 27, 2026. Method
What they share
By the books each fund has filed, SCHP and XHB hold 0% of their money in the same securities at the same weight. Holdings dated Jun 30, 2026 and Oct 27, 2026.
half
0% in common
Only in one fund ↓
Side by side
SCHP and XHB on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
SCHP
SCHP tracks an index of US TIPS. Over the year to Oct 28, 2026 it returned −0.8% with distributions reinvested, against −1.4% for its benchmark, the Bloomberg US Aggregate Bond Index. The prospectus expense ratio is 0.03% a year.
XHB
XHB tracks the S&P Homebuilders. Over the year to Oct 28, 2026 it returned −8.6% with distributions reinvested. The prospectus expense ratio is 0.35% a year. By its holdings published by its issuer for Oct 27, 2026, 46% of the fund by weight is stocks the S&P 500 also holds, across 34 positions, with the top ten at 35.4%. It sat 20.5% below its high of Oct 18, 2024 on Oct 28, 2026.
Questions people ask
- Which returned more over the last year, SCHP or XHB?
- In the year to Oct 28, 2026, with distributions reinvested, SCHP returned −0.8% and XHB −8.6%.
- Which is cheaper, SCHP or XHB?
- SCHP is cheaper, by 0.32 percentage points a year. That is about $32 on $10,000 held for a year. Fees come from each fund's prospectus.
Links are sources, not endorsements. A comparison is not a recommendation.
How this is computed
Overlap adds up the smaller of the two weights for each security both funds hold.
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ETFIQ, SCHP against XHB, data as of Oct 28, 2026. https://etfiq.com/compare/any/schp-vs-xhb
ETFIQ. (Oct 28, 2026). SCHP against XHB. Retrieved from https://etfiq.com/compare/any/schp-vs-xhb
[SCHP against XHB (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/schp-vs-xhb)
Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.